Beware of phone spoofing scams. We will never contact you to ask for personal information over the phone. Visit our Security Center to learn more.
IRA Savings & Certificate Rates
Retirement will be here before you know it, so now’s the time to start saving. An IRA makes it easy.
IRA Rates
IRA Savings
| Tier | Dividend | APY1 |
|---|---|---|
| Under $50 | None Paid | None Paid |
| $50 or more | 0.05% | 0.05% |
3 Month IRA Certificate
| Tier | Dividend Rate | APY1 |
|---|---|---|
| $1,000 - $9,999.99 | 0.10% | 0.10% |
| $10,000 - $49,999.99 | 0.20% | 0.20% |
| $50,000 - $89,999.99 | 0.25% | 0.25% |
| $90,000 or more | 0.25% | 0.25% |
6 Month IRA Certificate
| Tier | Dividend Rate | APY1 |
|---|---|---|
| $1,000 - $9,999.99 | 0.20% | 0.20% |
| $10,000 - $49,999.99 | 0.30% | 0.30% |
| $50,000 - $89,999.99 | 0.35% | 0.35% |
| $90,000 or more | 0.35% | 0.35% |
12 Month IRA Certificate
| Tier | Dividend Rate | APR1 |
|---|---|---|
| $1,000 - $9,999.99 | 0.30% | 0.30% |
| $10,000 - $49,999.99 | 0.40% | 0.40% |
| $50,000 - $89,999.99 | 0.45% | 0.45% |
| $90,000 or more | 0.45% | 0.45% |
24 Month IRA Certificate
| Tier | Dividend Rate | APY1 |
|---|---|---|
| $1,000 - $9,999.99 | 0.50% | 0.50% |
| $10,000 - $49,999.99 | 0.60% | 0.60% |
| $50,000 - $89,999.99 | 0.65% | 0.65% |
| $90,000 or more | 0.65% | 0.65% |
36 Month IRA Certificate
| Tier | Dividend Rate | APY1 |
|---|---|---|
| $1,000 - $9,999.99 | 0.65% | 0.65% |
| $10,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $89,999.99 | 0.80% | 0.80% |
| $90,000 or more | 0.80% | 0.80% |
48 Month IRA Certificate
| Tier | Dividend Rate | APY1 |
|---|---|---|
| $1,000 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $49,999.99 | 2.47% | 2.50% |
| $50,000 - $89,999.99 | 2.47% | 2.50% |
| $90,000 or more | 2.47% | 2.50% |
60 Month IRA Certificate
| Tier | Dividend Rate | APY1 |
|---|---|---|
| $1,000 - $9,999.99 | 1.00% | 1.00% |
| $10,000 - $49,999.99 | 2.62% | 2.65% |
| $50,000 - $89,999.99 | 2.62% | 2.65% |
| $90,000 or more | 2.62% | 2.65% |
18 Month Bump Rate IRA Certificate
| Tier | Dividend Rate | APY1 |
|---|---|---|
| $1,000 - $9,999.99 | 3.20% | 3.25% |
| $10,000 - $49,999.99 | 3.20% | 3.25% |
| $50,000 - $89,999.99 | 3.20% | 3.25% |
| $90,000 or more | 3.20% | 3.25% |
1APY = Annual Percentage Yield. Dividend rates and APYs are accurate as of 03/24/2025. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Dividend rates and APYs are accurate as of the Rates Effective date, above. Terms are subject to change without notice.
Contact Us
Have questions? Want more information? We’re more than happy to get in touch.
